In 2026, the way global retail investors build portfolios is transforming at lightning speed as they refuse to limit themselves to crypto-only portfolio strategies, which replace equities and commodities while enabling investing through a tool powered by AI.
Diversification has emerged as one of the strongest investment trends in 2023, with traders increasingly mixing traditional financial markets and digital assets this year, according to data from Bitget User Asset Allocation Report 06/10.
This report displays the results with a detailed perspective of how investor behavior is changing across regions and also asset classes, which are combined by Bitget platform trading data, as well as 6,000+ users worldwide survey responses.
According to the report, cryptocurrency still made up a majority of retail trader investments. Approximately 86% of those surveyed confirmed they still own crypto, and overall, that investment in digital currencies continues to dominate all worldwide trading activity.
The data showed that investors have also stopped relying primarily on crypto for portfolio bullishness, though. Crypto accounted for nearly all trading activity on the platform at first, but by March its share had dropped to a more sustainable 60%-80% range as traders branched out into other markets after an initial burst in January 2026.
The first quarter of 2026 was a great quarter for traditional financial assets. Trading activity in commodities, particularly gold, rose from negligible levels to accounting for between 20% and 40% of total platform activity during the quarter. It was the largest quarterly growth in non-crypto assets ever achieved on Bitget.
Additionally, the report noted that 52% of users from around the world are also equity holders who invest in crypto, and 35% hold gold or other precious metals. Properties (Real Estate) immediately became the second most favored non-crypto asset class based on this draft, as commodities became widely used among surveyed educators.
Throughout the year, people became more interested in investing in artificial intelligence, also. Artificial Intelligence — with gold and crude oil- is redacted as the top two investment themes for 2026. Approximately 51% of respondents said they are already using AI-based tools to aid in investment decisions.
Traders are using the data from Bitget’s AI ecosystem, like GetAgent, GetClaw, and Agent Hub, to perform analysis on all earnings releases, including commodity price movements, macroeconomic trends, and blockchain market signals across various asset classes.
It is also discussed in the document that there appeared to be more and even more high-net-worth traders diversifying. Bitget users record an annual yield of 13% by 2025, with roughly 6% made up of jobs between yields ranging from around 50 to
In a survey of wealthy market participants, 74% said they expect to allocate more investments within crypto, equities, and commodities throughout 2026 for improved risk management and portfolio stability.
There were also very clear observable systems of trading behavior among the regions. In East Asia, 60% of users went with the USDT settlement due to its ability to avoid currency conversion costs, while 48% believed that it helped them bypass opening requirements.
In Southeast Asia, 46% of users cited access to leverage as a top reason for trading traditional assets through crypto platforms. Similarly, 78% of respondents from Latin America said that holding both crypto and traditional investments was only to diversify or protect themselves against inflation or currency depreciation.
The demand for the Universal Exchange model continues to grow around the globe. The survey indicates that after the most important function of USDT settlement, 71% and between crypto to equities, forex & commodities in one account at an untoggled rate of 65%.
Users are choosing trading platforms with global access to all asset classes, stablecoin settlement layer capabilities for cost-effective clearing and reconciliation, centralized liquidity pools that yield fee income while enabling transparent reserve verification & on-demand algorithmic-assisted investment tools—all in one place.
Conclusion
Based on the Bitget User Asset Allocation Report 2026, retail investing is quickly developing in all ways, expanding crypto-only use. Crypto still dominates the asset class with 86% of users participating, but investors are gradually diversifying into equities (29%), commodities (18%), and AI-driven trading tools to maximise returns or mitigate risk. The report specifically emphasizes a turnaround in investor behavior, as 52% of users hold equities alongside cryptos and gold or precious metals (35%).
AI adoption is also part of modern investment practices that make up almost half of users, with 51% turning to AI tools for market analysis and decision making. Demand for unified trading platforms is also growing, particularly among users with a high focus on USDT settlement and who need access to multiple markets through one account, where they can benefit from centralized liquidity and switch between assets quickly. Regionally, macroeconomic conditions and inflation worries are stronger drivers of this diversification trend worldwide, as well as easier access to global markets.
In summary, the research indicates that diversified investing of the future will comprise multi-asset and AI-enabled platforms where crypto assets cohabitate the financial ecosystem alongside traditional finance, with AI-powered intelligent trading technologies working synergistically.
